Those in the Ball Ground, GA area can find that hosting an event is a great way to bring people together for a special occasion, a celebration, or a professional event. As you are looking to plan an event here, it would be a good idea to have the right insurance for it. One type of insurance to consider getting here is events insurance. Various types of support can come with this coverage.

Reduce Liability Risk

One of the most important reasons that you should get events insurance in Georgia is so you can reduce your liability risk. As you are looking to plan your event, you may find there are various types of liability risks that can come with hosting an event. A great way to mitigate the concern is by getting an events insurance plan that will include proper liability mitigation and support. 

Cancellation Coverage

While you can plan an event for a long time, there is always a chance something could occur that will require you to cancel the event. You will want to have proper cancellation insurance in place in these situations. When you get an events insurance plan, it will provide cancellation insurance that can give you coverage to reimburse you for any deposits and other costs you may have incurred prior to the event. 

If you want to plan any event, it would always be good to get events insurance to ensure you have proper coverage and protection. As you are looking for this support in the Ball Ground, GA area, it would be wise to call The Sanford Group. With so many options to consider, The Sanford Group can help you ensure you receive proper support to pick the right plan for your situation. 

Life is full of changes. Your life insurance policy should be too. The Sanford Group believes that life insurance is never static. Yet even existing policyholders neglect to make the most basic updates to their plan.

Fortunately, the Sanford Group can help. Serving Ball Ground, GA, the agency can create an individualized life insurance policy that best meets your needs. But they can also ensure it stays current. With this in mind, their agents list five life events that require an immediate life insurance review.

Getting married

Walking down the aisle is a significant financial commitment too. When a spouse passes, bills and debt can pile up. Life insurance protects the surviving partner, eliminating some of this financial burden.

Buying a home

Most families need two sources of income. Mortgage payments are especially challenging. Life insurance can supplement earnings, helping your family stay in their home after you’ve passed.

Having a baby

Expecting a baby already leads to a lot of sleepless nights. Life insurance enables you to rest easier. With this coverage, your child’s future is safe and secure.

Starting a company

Life insurance can help owners keep the business in the family. It’s also a sign of stability for potential investors. The lights will stay on even after you’re gone.

Retiring

The primary goal of life insurance is to reduce risk and replace a partner’s lost wages. Both of these aren’t as important during retirement. A pension and Social Security may be enough. For this reason, you might consider decreasing your coverage.

Contact an agency serving Ball Ground, GA.

The Sanford Group knows that life insurance demands more than a "set it and forget it" approach. Serving Ball Ground, GA, their experienced agents can help ensure your policy is up to date. Schedule an appointment today.

Commercial insurance can seem confusing to someone opening a new business since it doesn’t consist of just one type of insurance but more than 20 types. Rather than figuring out which of the more than 20 types of commercial insurance your business needs, let The Sanford Group help you decide which types of insurance best suit your business.

Nearly every small business should start with one important type of insurance – the business owners’ policy (BOP). This consists of four policies in one insurance package. Its bundle of coverage costs less than buying each policy separately. These four common policies provide essential coverage for each business.

In a BOP, you’ll find the following policies:

• business interruption
• peril
• property damage
• liability

Most businesses require these four types of insurance to protect themselves adequately. Peril insurance protects a business from natural hazards and fire that could damage its structure or business property. Property damage coverage reimburses you for damage to business property caused by other means, such as a driver plowing through your front window.

Business interruption insurance reimburses your business when you must close it due to an incident from peril or an accident. This coverage may include funds for paying employees and their benefits.

Liability coverage protects you financially if a client, customer, vendor, or visitor to your business incurs an accident that injures them or you libel an individual. If someone sues you due to negligence on your part that caused an injury to their person, this type of coverage pays the court settlement, court fees, and attorney fees.

Contact The Sanford Group in Ball Ground, GA for help obtaining the business insurance you need to protect your commercial endeavor. Call us today.

Having life insurance is a responsible thing to do for anyone. It provides a helping hand after you’re gone, and that is especially important if you have a family. If you are interested in getting whole life insurance, contact us today at The Sanford Group in Ball Ground, GA.

Carry It for Life

One of the major advantages that whole life insurance has over term life policies is that with whole life, it literally does what it says. It will protect you for your whole life no matter how elderly you become. Just keep paying the premiums, and the policy can’t be canceled. This gives many people peace of mind in knowing that they won’t be locked out of their life insurance after a set amount of time like with term policies. Instead, you can keep it for the rest of your life. 

Borrow Against the Value

Another major advantage of whole life insurance is that it will build a cash value. Over time, the premiums that you pay for your policy are invested by the insurance company, and those investments make money. Then, after a few years, a portion of that profit becomes the cash value of your life insurance policy. This cash value is available to you to borrow against if you ever need to. This is another reason that these policies deliver peace of mind. You can borrow up to the full cash value of your policy in case there is a financial hardship that requires it. Once it is borrowed, it is simply deducted from the death benefit until the loan is repaid.

Stay Protected With Life Insurance

It’s important to have life insurance to protect the future of those around you. If you need a life insurance policy, call us at The Sanford Group in Ball Ground, GA.